What functions do credit cards perform as money? The means of payment emerged with the creation of credit sales of goods. In a credit sale, money is used to pay a debt. Later, it was used to pay ground rent, interest, taxes, wages, etc. The function of money as a means of payment is initially manifested in the fact that in credit sales and purchases, the transfer of the use value of goods and the transfer of currency are separated in time. It is different from the means of circulation. The means of circulation is "paying money with one hand and paying with the other." Delivery". Credit card (English: CreditCard) is a non-cash payment method and a simple credit service. "An electronic payment card with some or all functions such as consumption, transfer settlement, cash deposit and withdrawal, credit loan, etc." It is a "non-cash transaction payment method" and a credit service. It is not "paying money with one hand and delivering the goods with the other hand", so Credit cards do not function as a means of circulation. The credit card consumption process is similar to credit purchases. When you purchase goods on credit, you negotiate with the merchant before repaying the money after a period of time. When you use a credit card to purchase goods, you use electronic money. As a promise, the merchant believes that you (mainly trusting the bank) will repay it, so it sells things to you. However, if the bank goes bankrupt, the merchant may still not get the money, so the credit card only acts as a means of payment instead of currency during use. Function.